TRID Processor & Mortgage Loan Specialist

Important Information Regarding Application Process

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First Security Bank is looking for a friendly, energetic, and team‑oriented individual to join us as a Central TRID Processor and Mortgage Loan Specialist! If this is you and you want to join a dynamic team that is passionate about serving our Arkansas community, then you should apply. This position plays a key role in serving the home‑financing needs of our community by ensuring all TRID (Loan Estimate and Closing Disclosures) and ATR (Ability‑to‑Repay) requirements are accomplished.

The role emphasizes relationship building, local decision‑making, and delivering personalized service that reflects the bank’s commitment to community banking values. This position requires on‑site work.

• Must be at least 18 years of age.
• High School Diploma or GED required.
• Prior banking, loan assistant, mortgage experience, and/or experience with TRID or ATR regulatory requirements are preferred.
• Proficiency in Outlook, Word, Excel, typing, 10‑key, and internet navigation required.
• Commitment to demonstrate Core 5 values with customers and coworkers.

Regularly Scheduled Hours / Week: 40 (+) hours | Monday – Friday 8:00am – 5:00pm |
* Extended working hours may be required.

• Assist customers with mortgage inquiries and provide expert guidance throughout the loan process from application to closing.
• Discuss loan terms, rates, conditions, and closing requirements in a clear and customer‑friendly manner (NMLS license will be required).
• Promote bank products and services when appropriate.
• Collect and review borrower documentation, including income, credit, assets, and employment.
• Pull credit reports and analyze creditworthiness, debt‑to‑income ratios, and other financial information.
• Prepare pre‑qualification and pre‑approval determinations in accordance with bank and regulatory guidelines.
• Review real estate contracts and gather supporting documentation for TRID and ATR purposes.
• Prepare and maintain accurate, compliant loan files in accordance with bank regulations and internal policies.
• Prepare required underwriting materials.
• Order and track third‑party services.
• Coordinate with processors, underwriters, title companies, and closing agents to ensure timely workflow.
• Prepare preliminary Closing Disclosures (CDs) and assist customers with closing requirements.
• Coordinate the closing, booking, and funding of loans in accordance with bank procedures.
• After closing, scan final loan documents.
• Ensure all loan applications are fully completed and compliant before submission.
• Ensure all activities adhere to banking regulations and internal compliance standards.
• Protect all customer information and bank operations through strict confidentiality.
• Operate computer software and equipment, telephone, scanner, and copier, and develop proficiency with internal banking systems.
• Maintain a valid driver’s license, reliable transportation, and punctual attendance. This position requires occasional extended hours to meet customer needs for business travel purposes, using a personal vehicle.
• Perform additional duties as assigned by management.

None

Foster a culture that values high ethical conduct, critical thinking, problem‑solving, engagement, teamwork, and provides exceptional service. Establish positive and productive work relationships that provide honest feedback that generates trust.

Possess sufficient mobility to work in a standard office setting. Perform repetitive hand, arm, wrist, and finger movements while handling currency, documents, and/or office equipment. Substantial time may be spent on the telephone, operating computers, reaching, sitting, and/or standing while occasionally stooping, kneeling, or crouching. The employee must have the ability to speak and hear well enough to…